ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse flood insurance agents serving Annapolis, Maryland. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Annapolis, MD
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Maryland before hiring.
Showing 20 flood insurance agents in Annapolis, MD
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Mathes Insurance Advisors, Inc.
2525 Riva Rd Suite 105, Annapolis, MD 21401
(410) 295-9900
mathesinsurance.com
JSR Insurance
793 Fairview Ave, Annapolis, MD 21403
(443) 529-9109
jsrichardsoninsurance.com
Debbie Hart - State Farm Insurance Agent
49 Old Solomons Island Rd Ste 203, Annapolis, MD 21401
(410) 266-5353
debbiehart.net
CNR Insurance Inc
166 West St, Annapolis, MD 21401
(410) 897-9890
cnrinsurance.com
Goosehead Insurance - Tim Coe
1125 West St Suite 200, Office 244, Annapolis, MD 21401
(443) 924-6704
goosehead.com
Old Bay Insurance Agency
133 Defense Hwy #214, Annapolis, MD 21401
(410) 777-5390
oldbayinsurance.com
Reyes Insurance LLC
1831 Forest Dr # A, Annapolis, MD 21401
(443) 440-0989
reyesinsuranceservices.com
O'Brien & Associates
339 Buschs Frontage Rd #206, Annapolis, MD 21409
(410) 571-5900
obrienandassoc.com
Bay Area Insurance
1 Annapolis St STE 100, Annapolis, MD 21401
(410) 647-7333
bayareains.com
Ramsey's Insurance, Inc
2049 West St Suite 202, Annapolis, MD 21401
(410) 266-9363
ramseys-insurance.com
Simpson and Blom Insurance
108 Old Solomons Island Rd Bldg 2, Annapolis, MD 21401
(410) 573-9104
simpsonandblom.com
Henry M Murray Insurance Agency
2498 Riva Rd, Annapolis, MD 21401
(410) 224-2664
henrymurray.com
Jack Martin Insurance Advisors
111 Forbes St, Annapolis, MD 21401
(410) 263-8000
askjack.cc
Dan Friel - State Farm Insurance Agent
2431 Solomons Island Rd #203, Annapolis, MD 21401
(410) 224-5656
frielinsurance.com
Lindquist Insurance
1910 Towne Centre Blvd Suite 250, Annapolis, MD 21401
Flood insurance agents in Annapolis help property owners secure coverage through the National Flood Insurance Program and private insurers. Annapolis sits along the Chesapeake Bay and Severn River, making flood risk a key concern for many residents. Maryland law does not require flood insurance for all properties, but mortgage lenders often mandate it for homes in high-risk flood zones.
What Does a Flood Insurance Agent in Annapolis Cost?
The cost of flood insurance in Annapolis varies based on your property's flood zone, elevation, and coverage amount. Typical NFIP policies for a single-family home range from 700 to 2,500 per year for standard coverage up to 250,000 for the building and 100,000 for contents. Private flood insurance may offer different rates and higher limits. This information is general and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance if I live in Annapolis?
Flood insurance is not required by Maryland state law for all properties. However, if your home is in a Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even in low-risk areas, many Annapolis residents choose coverage because of the region's storm surge and heavy rain risks.
What does a flood insurance agent do in Maryland?
A flood insurance agent helps you assess your property's flood risk, explains coverage options under the NFIP or private insurers, and helps you complete the required elevation certificate if needed. They also guide you through the 30-day waiting period before most NFIP policies take effect.
Free • No Obligation
Compare Flood Insurance Agents
Get matched with agents in Annapolis who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Maryland.